Search found 18 matches

by jjjjj
Sat Apr 16, 2011 12:23 pm
Forum: Personal Investments
Topic: Regrets in moving to Vanguard [customer service]
Replies: 53
Views: 14817

I find Vanguard's customer service just as bad as that of Oppenheimer and T Rowe Price. Everyone marks time until they getto the big bucks-hey, it was no different w/ Merrill Lynch.
by jjjjj
Wed Mar 30, 2011 4:39 pm
Forum: Personal Investments
Topic: financial advice for a female about to marry?
Replies: 39
Views: 4344

WHEN MY BUSINESS FAILED MY WIFE GAVE ME GREAT COMFORT. sHE DROVE ME AROUND TOWN AND POINTED OUT THE APARTMENT COMPLEX, SHOPPING CENTER, CAR DEALERSHIP "WE" OWNED. i WAS FLABBERGASTED AND ASKED HER HOW SHE HAD DONE IT. "eVERYTIME YOU MADE LOVE TO ME I PUT $10 AWAY AND WHEN IT GREW ENOUGH I INVESTED" ...
by jjjjj
Mon Mar 28, 2011 1:16 pm
Forum: Personal Investments
Topic: Do I need to pay tax on my 1099-B Gross Proceeds?
Replies: 10
Views: 2234

FOR SOME REASON THE BROKERAGE HOUSES REPORT EVEN REPAYMENTS OF PRINCIPAL AS "GROSS PROCEEDS" YOU WILL, EITHER NOW OR AFTER YOU GET THE DEFICIENCY NOTICE, NEED TO REPORT THE PURCHASE DATE, COST{USUALLY THE "GROSS PROCEEDS"} JUST AS IF IT WERE A STOCK UPON WHICH YOU HAD NEITHER GAIN NOR LOSS.
by jjjjj
Fri Mar 25, 2011 2:07 pm
Forum: Personal Investments
Topic: Obvious decision, or not?
Replies: 14
Views: 2461

somewhere in the recesses of my memory is the thought that qualified plans could not under federal law have surrender charges.
by jjjjj
Fri Mar 25, 2011 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone PLEASE HELP ME
Replies: 4
Views: 1171

the local office of your congressman has at least one employee pretty well-versed in Soc Sec- call that office and god bless.
by jjjjj
Thu Mar 24, 2011 3:31 pm
Forum: Personal Investments
Topic: Lifestyle, Target or something else for income stream
Replies: 42
Views: 3957

In my mind, adequate cash flow is the key to a successful retirement. The one sure way to reach that goal is by having an immediate annuity which, with social security covers your minimum annual costs. At age 72 we bought an SPIA from USAA [the only AAA rated co. of the five best annuity issuers -U ...
by jjjjj
Thu Mar 10, 2011 2:11 pm
Forum: Personal Investments
Topic: Retiring Soon. Have Advisor. Seeking Additional Advice.
Replies: 85
Views: 16643

In my opinion the advice about your advisor is well taken. The first, second and third most important thing once in retirement is a steady stream of cash flow. You will get some differing opinions, but I would delay taking social secuerity until age 70-the payment increases by 8% for each year of de...
by jjjjj
Wed Mar 09, 2011 8:42 pm
Forum: Personal Consumer Issues
Topic: Help cold feet
Replies: 21
Views: 4092

aFTER 2 HEART ATTACKS MY EXTREMITIES WERE ALWAYS COLD IN THE WINTER. mY SON RECOMMENDED UGHS, sheepskin lined from Australia. They really work!
by jjjjj
Mon Mar 07, 2011 6:00 pm
Forum: Personal Consumer Issues
Topic: Name your top favorite tv shows
Replies: 188
Views: 31580

the good wife
Masterpiece
by jjjjj
Wed Mar 02, 2011 1:24 pm
Forum: Personal Consumer Issues
Topic: To Hybrid auto owners: is the maintenance different?
Replies: 34
Views: 7133

Slightly nervous about our first Prius, we brought it to the Westport Ct dealer for routine service at 7500 miles, for which we had prepaid. Got the car back w/ a bill for about $79 for checking fluids and rotating tires, service I get done for free when I bring my Honda to an independant for a $21....
by jjjjj
Wed Feb 02, 2011 8:26 pm
Forum: Personal Consumer Issues
Topic: Smartphones
Replies: 23
Views: 2921

better than a Walkman? :?:
by jjjjj
Wed Jan 19, 2011 11:35 am
Forum: Personal Investments
Topic: Firecalc- equity proportion for retirees. Please help.
Replies: 51
Views: 7119

retirement allocation

I find the discussion of percentages confusing. On one end of the spectrum, if I have enough cash flow to sustain my life style, I don't need any investment in equities. On the other end, being 100% in equities leaves me at risk of going through the destruction of the first decade of this century-an...
by jjjjj
Tue Dec 21, 2010 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay any federal estate tax?
Replies: 55
Views: 5682

estate tax

i'm surprised that so many of the heads still mischaracterize th Estate tax. In the great majority of cases where the tax is imposed, the asset has NEVER been taxed. Bill gates owns billions of dollars of Microsoft stock; his cost basis for all of it is about $1000 !! Plus, by being able to deduct t...
by jjjjj
Fri Oct 08, 2010 6:26 pm
Forum: Investing - Theory, News & General
Topic: tips LADDER
Replies: 9
Views: 2136

thanks for the advice...I already have 2 annuities and i was looking for something, other than our Roths, to leave to our 3 boys.
by jjjjj
Thu Oct 07, 2010 4:27 pm
Forum: Investing - Theory, News & General
Topic: tips LADDER
Replies: 9
Views: 2136

tips LADDER

i AM 71 YRS OLD; MY WIFE IS 70. sHE IS HEALTHY; i HAVE A BAD HEART. How, in detail, do we set up a TIPS ladder? Do we buy one 20 year bond each year for the rest of our lives? Is ther4e a dealer other than the Treasury?
by jjjjj
Tue Aug 03, 2010 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney vs Living Trust, which is right?
Replies: 48
Views: 8619

The primary pupose of a living trust is the designation of a trustee, when you become incompetent. Since a living trust generally provides no tax savings, the document can and should provide for the right of the beneficiaries to change trustees.
by jjjjj
Thu Jul 15, 2010 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: The Sandwich generation-ME Mother-in-Law had a stroke Help!
Replies: 43
Views: 5442

You have some quiet conversations with your wife. She, not you, is the person who has the right-if not the filial duty-to look after her mom's finances. I sense in the background your fear that wifey will again cough up money for her mom's support- thrust me, it won't be the first time that love ove...
by jjjjj
Thu Jul 15, 2010 12:23 pm
Forum: Personal Consumer Issues
Topic: frequent flyer? Any advise for this check in problem?
Replies: 24
Views: 3432

this has happened to us several times, whenever we used Delta miles to fly to Europe and Delta booked us on another airline. Each time the paperwork hadn't been forwarded and the first time the flight was actually held for us. Talking to a manager at both airlines has subsequently solved-not elimina...